Negative items affect your credit score much more quickly than positive items. Late payments can negatively affect your score in just a few months, whereas paying bills on time may take six to twelve months to generate a significant improvement in your score.

 

The best way to ensure a good credit score is to manage your credit responsibly over time. To maximize your score, it's important to understand what goes into the calculation and how much each factor is weighted. Our specialists are trained to do just that. We can help you improve your credit score, better manage your debts, and educate you about credit.